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Migdal Insur.
(TASE:MGDL)
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Rating:72Outperform
Price Target:
1,838.00
▲(14.23% Upside)
Action:Reiterated
Date:05/23/26
The score is driven primarily by improving financial performance (stronger profitability and supportive cash generation, despite volatility) and very attractive valuation (low P/E and high dividend yield). Technicals are mixed and modestly temper the overall rating.
Positive Factors
Improved Profitability
Trailing‑twelve‑month margins (~9% EBIT, ~5% net) and a rise in net income from ~0.6B to ~1.9B reflect a durable improvement in underwriting and investment outcomes. That strengthens internal capital generation, supports reserve replenishment and dividend capacity, and signals operational leverage across core insurance lines.
Negative Factors
Revenue Volatility
Large year‑to‑year revenue swings, including the sharp downturn in 2022, reduce earnings predictability and complicate strategic pricing, product design and capital planning. For insurers, volatile top‑line inflows impair the ability to forecast reserves and margins reliably across 2–6 month horizons and beyond.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Profitability
Trailing‑twelve‑month margins (~9% EBIT, ~5% net) and a rise in net income from ~0.6B to ~1.9B reflect a durable improvement in underwriting and investment outcomes. That strengthens internal capital generation, supports reserve replenishment and dividend capacity, and signals operational leverage across core insurance lines.
Read all positive factors
Migdal Insur. (MGDL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪18.31B
Dividend Yield0.3%
Average Volume (3M)2.90M
Price to Earnings (P/E)9.6
Beta (1Y)1.47
Revenue Growth35.50%
EPS Growth147.32%
CountryIL
Employees4,435
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Life
Share Statistics
EPS (TTM)1.80
Shares Outstanding1,059,775,500
10 Day Avg. Volume3,001,843
30 Day Avg. Volume2,903,189
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)1.64
Price to Sales (P/S)0.47
P/FCF Ratio2.96
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Migdal Insur. Business Overview & Revenue Model
Company Description
Migdal Insurance and Financial Holdings Ltd., along with its various subsidiaries, offers a comprehensive suite of insurance, pension, and financial solutions to both individual and institutional clients across Israel. The firm's extensive offerin...
How the Company Makes Money
Migdal primarily makes money through (1) underwriting income and policy-related fees from its insurance operations and (2) investment and asset-management related income from managing insurance and long-term savings assets.
1) Insurance underwrit...
Migdal Insur. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
70
Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 36.00B | 34.70B | 33.74B | 28.47B | 6.44B | 36.68B |
| Gross Profit | 35.84B | 34.70B | 32.38B | 28.47B | 6.44B | 36.68B |
| EBITDA | 3.53B | 3.40B | 1.47B | 1.28B | 1.51B | 2.49B |
| Net Income | 1.90B | 1.83B | 608.16M | 587.18M | 750.97M | 1.39B |
Balance Sheet | ||||||
| Total Assets | 245.70B | 246.30B | 219.64B | 204.86B | 196.90B | 204.16B |
| Cash, Cash Equivalents and Short-Term Investments | 29.18B | 3.52B | 46.09B | 41.00B | 38.79B | 37.79B |
| Total Debt | 135.00M | 8.24B | 5.99B | 5.97B | 7.19B | 5.42B |
| Total Liabilities | 235.42B | 236.34B | 210.09B | 196.26B | 188.80B | 195.59B |
| Stockholders Equity | 10.27B | 9.95B | 9.54B | 8.59B | 8.09B | 8.56B |
Cash Flow | ||||||
| Free Cash Flow | 4.23B | 5.52B | 3.05B | 2.15B | -3.11B | 6.88B |
| Operating Cash Flow | 4.55B | 5.60B | 3.38B | 2.44B | -2.85B | 7.12B |
| Investing Cash Flow | -444.00M | -405.00M | -353.88M | -284.03M | -254.66M | -245.25M |
| Financing Cash Flow | 450.00M | 645.00M | 630.00M | -1.35B | 1.18B | 773.24M |
Migdal Insur. Technical Analysis
Positive
1609.00
Price Trends
1817.22
Negative
1819.51
Negative
1627.90
Positive
Market Momentum
-12.61
Negative
48.75
Neutral
62.08
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MGDL, the sentiment is Positive. The current price of 1609 is below the 20-day moving average (MA) of 1698.60, below the 50-day MA of 1817.22, and below the 200-day MA of 1627.90, indicating a neutral trend. The MACD of -12.61 indicates Negative momentum. The RSI at 48.75 is Neutral, neither overbought nor oversold. The STOCH value of 62.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:MGDL.
Migdal Insur. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₪29.06B | 11.89 | ― | 2.61% | 43.27% | 99.24% | |
72 Outperform | ₪18.31B | 9.60 | ― | 0.30% | 35.50% | 147.32% | |
71 Outperform | ₪3.67B | 10.05 | ― | 5.98% | 9.90% | 22.54% | |
66 Neutral | ₪43.19B | 12.82 | ― | 4.19% | 28.82% | 58.47% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:MGDL
Migdal Insur.
1,728.00
733.00
73.67%
IL:PHOE
Phoenix
17,140.00
6,496.83
61.04%
IL:MMHD
Menora Miv Hld
46,510.00
18,804.53
67.87%
IL:ZUR
Zur
1,167.00
192.29
19.73%
IL:IDIN
Idi Insur
24,840.00
6,866.93
38.21%
IL:IBIU
Ibi Underwrit
1,193.00
288.86
31.95%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.